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What does Landlord Insurance cover?

Building insurance is designed to protect the physical structures and fixtures that make up your building: from the house itself, to the garage, fences and paved driveways – even built-in appliances like showers and baths, hot water systems, air-conditioners and more.

Contents insurance protects the belongings you have at the insured address that you have provided for the use of your tenant: from your furniture, carpet and appliances and even your BBQ. 

So, if any of the insured events happen during the period of insurance, Allianz will generally pay to repair or replace your contents – up to the policy limits.


What you’re covered for

  • Legal liability

    We will cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property which occurred at the insured address. 

  • Rental costs after an insured event

    If your building is damaged by an insured event and can’t be lived in by your tenant, or, if agreed that access to or the use of your building was not possible after an insured event, you will be paid for your loss of rent on the building for up to 12 months. 

  • Landlord contents

    The repair or replacement of contents you own and provide for your tenant’s use will be covered as a result of an insured event. Covered up to the sum insured for contents, or if you select buildings only cover; the lesser of $10,000 or the remainder of the sum insured after a buildings claim.


What’s not covered

  • Wear and tear

    Wear and tear including depreciation, gradual deterioration, wear and tear or lack of maintenance.

  • Defects

    Inherent defects including faulty design or materials, structural defects or poor workmanship.

  • Illegal contents

    Illegal contents or personal effects which are acquired illegally or are illegally held.

  • Soil movement

    Soil movement including erosion, landslide, mudslide or subsidence unless it is directly caused by and occurs within 72 hours of an explosion, earthquake, tsunami, storm or flood.

 

Here is a limited summary of the benefits of a building and contents insurance policy. For full details, of the terms, conditions, limits and exclusions that apply please read the Product Disclosure Statement (PDS) (PDF 1MB), the Premium, Excess, Discount and Options Guide (PED) (PDF 261KB) and the Landlord Key Fact Sheets (KFS) before making a decision to purchase the insurance.

 

Optional Cover

Landlord workers’ compensation cover
Cover for the compensation amount you are liable to pay if you employ a domestic worker and they are injured while working for you at the insured address. Only available in ACT, WA and TAS.
Rent default & theft by tenant
Cover for loss or damage to your insured building or contents caused by theft, burglary or housebreaking committed by your tenant or invitees of your tenant. Option to be covered for loss of rent due to specified rental defaults, up to $10,000 in total.

Special offer

New and existing customers

New policy online discount

Save up to 10% off your first year’s premiums when you buy online.1&2

Combined cover discount

Save up to 10% when you combine your building and contents cover on the one policy.2&4

Why St.George Insurance?

Side-by-side banking
See your insurance policies online alongside your other St.George accounts.5
Payment flexibility
You can pay by the month or yearly – whatever suits you.3

We’re here with you every step of the way

1. Get a quote online

Get a fast quote online. You can also buy over the phone or in branch with one of our friendly consultants.
 

2. Check or change your policy

We are here to help with your insurance needs. We also have optional cover to give you a greater flexibility of cover. Talk to us on 13 33 30.
 

3. Make a claim

You can also lodge a claim online and get instant lodgement confirmation. How to make a claim.


Frequently asked questions

If you buy St.George Landlord Insurance, your insurer will be Allianz Australia Insurance Limited. This means if you need to make a claim, Allianz will be there for you to help you get back on track as soon as possible. For more information about our distribution arrangement with Allianz, see the disclaimer below and our Financial Services Guide (PDF 152KB)

Insurance Calculators

It’s up to you to decide the sums insured, and the type and level of cover that you want to take out. People generally want enough insurance to cover the property’s estimated replacement value. It’s important to have the right amount of insurance to cover the cost of replacing your home in today’s dollars if the unexpected happens. If you don’t have enough, you may have to cover some of the cost yourself and if you have too much, you may only be paid an amount that covers your loss. That's why we've provided these calculators. They work as guides to help you estimate the replacement value of your landlord building and contents. ^

Insurance purchased prior to 12 December 2021 (no longer for sale)

If you purchased your Insurance before 12 December 2021, here’s where you can find more information about your policy.

 

Important information

1. Online discount When you buy a new landlord insurance policy online a discount of up to 10% is automatically applied to your first year’s premium including for and for optional cover Rent Default and Theft by Tenant cover (if selected)]This discount is not applied on renewal.

2. Minimum premiums If you are eligible for more than one discount, Allianz applies them in a predetermined order. This means any subsequent discount will be applied to the reduced premium amount after applying any prior discounts and the effect of the subsequent discount will be reduced. For example, the aggregate effect of applying two 10% discounts consecutively means that you will not see the full benefit of both these discounts. Discounts do not apply to taxes or government charges. Discounts do not apply to optional covers for Domestic workers’ compensation (if available and selected). Any discounts/entitlements may be subject to rounding and may only apply to the extent that any minimum premium is not reached.

3. Instalment premiums If you choose to pay your premium by instalments you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.

4. Combined A premium discount of up to 10% for combining Building and Contents covers on one policy is applied for Building and Contents cover. This discount is not applied to the premium for Flood, or for optional cover; Rent Default and Theft by tenant. 

5. Only primary policyholders can see policies alongside their other St.George Bank accounts.

^The Building and Contents calculators available through our websites are intended as a guide only. For a more accurate rebuilding cost, consider obtaining a professional valuation from a licensed builder or professional valuer.

St.George – A Division of Westpac Banking Corporation ABN 33 007 457 141 (the Bank) can arrange the following insurance but does not guarantee it.

Product Disclosure Statements (PDS)

Landlord Product Disclosure Statement (PDF 1MB) (applicable to policies issued on or after 12 December 2021 or renewed on or after 22 November 2021)

For the standard terms, conditions and exclusions about our Home & Landlord Insurance, please refer to the relevant Product Disclosure Statement (PDS) and any supplementary PDS (if applicable), and the Premium, Excess, Discount and Options Guide (PED) (PDF 261KB). To see some of the events covered and not covered, please refer to our Key Fact Sheets (KFS).

Landlord Insurance is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). St.George - a Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (the Bank) arranges the insurance under a distribution agreement with Allianz Insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Before making a decision, please consider the relevant Product Disclosure Statement. For more information call 13 33 30. 

A target market determination has been made for this product. Please visit https://www.stgeorge.com.au/tmd for the target market determination.

By clicking on Get a quote you will enter a third party site hosted by Allianz. Any personal information you provide to Allianz’s hosted site will be collected, used and disclosed in accordance with Allianz’s Privacy Statement and Privacy Policy.

St.George's Privacy Policy is available at stgeorge.com.au or by calling 13 33 30. It covers:

  • How you can access the personal information St.George holds about you and ask for it to be corrected;
  • How you can complain about a breach of the Privacy Act 1988 (Cth) or a registered Code by St.George and how St.George will deal with your complaint; and
  • How St.George collect, hold, use and disclose your personal information in more detail.